[_lqaf]

The reason sellers don't go elsewhere is that buyers really like it, because it gives buyers a lot of power.

I've had them be annoying to me before. My favorite PP fact I found out the hard way: never put the string 'aleph' in the note field. Apparently that's flagged as a Terror-Word(tm), and it held up a transaction of mine for over a month.

I still use them, but only under modified-casino rules: never play with money you can't lose. Have a separate bank account just for them, so they can't get up to shenanigans with more than you intend; never depend on them for anything time sensitive; and never send money anyone depends on for anything important.

[endgame]

Never hold a PP balance. If you receive money into your PP account, treat it as unavailable unless you successfully spend it on goods or services. Never link your PP account to a bank account. Only fund your PP account with a credit card, so you have some protection when things go wrong.